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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

The Exchange is Not Like the HIPC

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Question: The Health Insurance Plan of California (HIPC) was an exchange and it failed. What's different about the new exchange?

Answer: The HIPC sank because it was only attracting high risk groups. It was out-maneuvered by the carriers. The California Health Benefit Exchange is very different from the HIPC. Most importantly, individuals and small business who are eligible for tax credits will have to participate in the Exchange in order to take advantage of them. This is a huge core population of users - large enough to spread the risk broadly.

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